It’s not hard to get swept up from the holidays. Black Friday, Cyber Monday, deals in abundance — just before you free your bank account, we’ve got some ideas to help you steer clear of debt.
To begin with, in case you haven’t by now, begin saving today. We nevertheless have nine weeks remaining until Xmas. Putting away a small amount of cash every week will add up to a large amount when you would like to purchase presents.
Next, begin buying now. Black Friday is not the price savings bonanza it’s thought to be. There are several great deals, but you can locate sales and bargains on a regular basis — you need to simply be on the lookout. Furthermore, you can purchase a tad today, a bit more the next day…and propagate out the destruction.
Make use of layaway. Layaway vanished for a long time, but many of the large retailers, including Wal-Mart and KMart, happen to be bringing it back for the shopping season.
This is a huge one: Never open retailer credit cards. You could save ten or fifteen percent once you open one, however they might be problematic as time goes on.
Additional quick suggestions: Consider gift certificate swaps because they can be a huge help. Furthermore, buy online initially; price compare, evaluate products and stay enlightened about what you might be purchasing.